IFSC Code of Uttar Pradesh Cooperative Bank Limited, Aliganj Branch Branch, Uttar Pradesh

If you are searching for the IFSC code of Uttar Pradesh Cooperative Bank Limited, ALIGANJ BRANCH branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UPCB0000004. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ALIGANJ BRANCH branch, and detailed step-by-step guides for using the IFSC UPCB0000004 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH is UPCB0000004. The first four letters UPCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000004 map to this branch in LUCKNOW, UTTAR PRADESH.

Branch details at a glance

About Uttar Pradesh Cooperative Bank Limited

Uttar Pradesh Cooperative Bank Limited operates a wide network of branches across India, including the Aliganj Branch branch in Lucknow. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UPCB0000004.

About the Aliganj Branch branch

The Aliganj Branch branch of Uttar Pradesh Cooperative Bank Limited is situated at C-46,SECTOR-G ALIGANJ,. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UPCB0000004 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Uttar Pradesh Cooperative Bank Limited's ALIGANJ BRANCH branch came to be assigned the code UPCB0000004.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UPCB0000004, money simply cannot be routed to the ALIGANJ BRANCH branch electronically.

How to transfer money using IFSC UPCB0000004

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UPCB0000004 across all three.

How to use IFSC UPCB0000004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Uttar Pradesh Cooperative Bank Limited's ALIGANJ BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UPCB0000004.
4. Confirm the bank name auto-populates as Uttar Pradesh Cooperative Bank Limited and the branch as ALIGANJ BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UPCB0000004

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH, ensure your bank's portal accepts IFSC UPCB0000004 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH, use IMPS. With IFSC UPCB0000004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UPCB0000004 for Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Aliganj Branch branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UPCB0000004

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH is still mapped to IFSC UPCB0000004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UPCB0000004 and the beneficiary's account number to complete the transfer.

Account types you can open at the Aliganj Branch branch

Once you have an account at Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH, the IFSC UPCB0000004 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Aliganj Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 522-2321431.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UPCB0000004

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Uttar Pradesh Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UPCB0000004 and the account number together uniquely identify the Aliganj Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UPCB0000004

Uttar Pradesh Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ALIGANJ BRANCH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UPCB0000004 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH:

• The IFSC is exactly UPCB0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Uttar Pradesh Cooperative Bank Limited as the bank name and ALIGANJ BRANCH as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Aliganj Branch branch

The branch is located at C-46,SECTOR-G ALIGANJ,, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Uttar Pradesh Cooperative Bank Limited Aliganj Branch branch” — the verified location pin for IFSC UPCB0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 522-2321431 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UPCB0000004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UPCB0000004 for Uttar Pradesh Cooperative Bank Limited – ALIGANJ BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Aliganj Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UPCB0000004, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UPCB0000004 belongs to Uttar Pradesh Cooperative Bank Limited's ALIGANJ BRANCH branch, located at C-46,SECTOR-G ALIGANJ, in LUCKNOW, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.